/* ============================
   ROCKWELL MORTGAGE - STYLES
   ============================ */

/* ---------- RESET & BASE ---------- */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

:root {
  /* Brand Colors */
  --primary: #2563EB;
  --primary-dark: #1D4ED8;
  --primary-light: #EFF6FF;
  --accent: #2563EB;
  --accent-dark: #1D4ED8;
  --accent-light: #EFF6FF;
  --navy: #0F172A;
  --navy-light: #1E293B;
  --slate: #334155;
  --gray-700: #374151;
  --gray-600: #4B5563;
  --gray-500: #6B7280;
  --gray-400: #9CA3AF;
  --gray-300: #D1D5DB;
  --gray-200: #E5E7EB;
  --gray-100: #F3F4F6;
  --gray-50: #F9FAFB;
  --white: #FFFFFF;
  --green: #10B981;
  --green-light: #D1FAE5;
  --blue: #3B82F6;
  --red: #EF4444;

  /* Spacing */
  --section-py: 96px;
  --container-max: 1200px;
  --container-px: 24px;

  /* Typography */
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --rounded: 8px;
  --rounded-lg: 12px;
  --rounded-xl: 16px;
  --rounded-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);

  /* Transitions */
  --transition: 0.2s ease;
  --transition-slow: 0.3s ease;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
}

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--slate);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

body.has-announcement {
  scroll-padding-top: 120px;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }

.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--container-px);
}

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 24px;
  font-family: var(--font);
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--rounded);
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
  line-height: 1.4;
}

.btn-primary {
  background: var(--primary);
  color: var(--white);
  border-color: var(--primary);
}
.btn-primary:hover {
  background: var(--primary-dark);
  border-color: var(--primary-dark);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline:hover {
  background: var(--gray-50);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--gray-600);
  border-color: transparent;
  padding: 12px 16px;
}
.btn-ghost:hover { color: var(--navy); background: var(--gray-100); }

.btn-white {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}
.btn-white:hover { background: var(--gray-100); border-color: var(--gray-100); }

.btn-sm { padding: 8px 16px; font-size: 14px; }
.btn-lg { padding: 16px 32px; font-size: 16px; }
.btn-xl { padding: 18px 40px; font-size: 17px; }
.btn-block { width: 100%; }

/* ---------- SECTION HEADERS ---------- */
.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.section-label {
  display: inline-block;
  font-size: 14px;
  font-weight: 700;
  color: var(--accent);
  text-transform: uppercase;
  letter-spacing: 1.5px;
  margin-bottom: 12px;
}

.section-header h2 {
  font-size: 36px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-header p {
  font-size: 18px;
  color: var(--gray-600);
  line-height: 1.6;
}

.text-link {
  color: var(--accent);
  text-decoration: underline;
  text-underline-offset: 2px;
}
.text-link:hover { color: var(--accent-dark); }

/* ==========================================
   ANNOUNCEMENT BAR
   ========================================== */
.announcement-bar {
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: var(--white);
  padding: 10px 0;
  font-size: 14px;
  position: relative;
  z-index: 1001;
}

.announcement-bar .container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.announcement-bar p {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
}

.announcement-bar a {
  color: var(--white);
  font-weight: 700;
  text-decoration: underline;
}

.announcement-close {
  background: none;
  border: none;
  color: var(--white);
  cursor: pointer;
  padding: 4px 8px;
  opacity: 0.8;
  font-size: 14px;
  position: absolute;
  right: 16px;
}
.announcement-close:hover { opacity: 1; }

/* ==========================================
   NAVBAR
   ========================================== */
.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--gray-200);
  transition: box-shadow var(--transition);
}

.navbar.scrolled {
  box-shadow: var(--shadow-md);
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 22px;
  font-weight: 800;
  color: var(--navy);
}

.logo-img {
  height: 44px;
  width: auto;
  filter: invert(1);
}

.footer-logo-img {
  height: 36px;
  width: auto;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-size: 15px;
  font-weight: 500;
  color: var(--gray-600);
  transition: color var(--transition);
  position: relative;
}

.nav-links a:hover { color: var(--navy); }

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--accent);
  transition: width var(--transition);
}
.nav-links a:hover::after { width: 100%; }

.nav-actions {
  display: flex;
  align-items: center;
  gap: 16px;
}

.nav-phone {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
}

.nav-phone i { color: var(--accent); font-size: 14px; }

.nav-cta { font-size: 14px; padding: 10px 20px; }

/* Mobile Menu Button */
.mobile-menu-btn {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.mobile-menu-btn span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}

.mobile-menu-btn.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.mobile-menu-btn.active span:nth-child(2) { opacity: 0; }
.mobile-menu-btn.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ==========================================
   HERO
   ========================================== */
.hero {
  background: linear-gradient(135deg, var(--gray-50) 0%, var(--white) 50%, var(--accent-light) 100%);
  padding: 80px 0 0;
  overflow: hidden;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 64px;
  align-items: center;
  padding-bottom: 80px;
}

.hero-title {
  font-size: 52px;
  font-weight: 900;
  color: var(--navy);
  line-height: 1.1;
  margin-bottom: 20px;
  letter-spacing: -0.5px;
}

.highlight {
  color: var(--accent);
  position: relative;
}

.hero-subtitle {
  font-size: 20px;
  color: var(--gray-600);
  line-height: 1.6;
  margin-bottom: 32px;
  max-width: 520px;
}

.hero-cta-group {
  display: flex;
  gap: 16px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.hero-trust {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 15px;
  color: var(--gray-600);
}

.trust-item i {
  color: var(--green);
  font-size: 16px;
}

/* Hero Rate Card */
.hero-card {
  background: var(--white);
  border-radius: var(--rounded-xl);
  padding: 32px;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-200);
  position: relative;
}

.hero-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--accent), var(--accent-dark));
  border-radius: var(--rounded-xl) var(--rounded-xl) 0 0;
}

.hero-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
}

.hero-card-badge {
  background: var(--accent-light);
  color: var(--accent-dark);
  font-size: 13px;
  font-weight: 700;
  padding: 4px 12px;
  border-radius: var(--rounded-full);
}

.hero-card-date {
  font-size: 13px;
  color: var(--gray-500);
}

.hero-card-rate {
  display: flex;
  align-items: flex-start;
  margin-bottom: 4px;
}

.rate-number {
  font-size: 56px;
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
}

.rate-percent {
  font-size: 28px;
  font-weight: 800;
  color: var(--navy);
  margin-top: 8px;
}

.hero-card-apr {
  font-size: 16px;
  color: var(--gray-500);
  margin-bottom: 4px;
}

.hero-card-type {
  font-size: 14px;
  color: var(--gray-500);
  font-weight: 500;
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--gray-200);
}

.hero-card-details {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
}

.detail-row {
  display: flex;
  justify-content: space-between;
  font-size: 15px;
  color: var(--gray-600);
}

.detail-value {
  font-weight: 700;
  color: var(--navy);
}

.hero-card-disclaimer {
  font-size: 12px;
  color: var(--gray-400);
  margin-top: 12px;
  text-align: center;
}

/* Social Proof Strip */
.social-proof-strip {
  background: var(--navy);
  padding: 20px 0;
}

.social-proof-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}

.proof-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--white);
}

.proof-icon {
  font-size: 20px;
  color: var(--accent);
}

.proof-content {
  display: flex;
  flex-direction: column;
  font-size: 14px;
  color: rgba(255,255,255,0.7);
}

.proof-stars {
  color: #FBBF24;
  font-size: 14px;
  display: flex;
  gap: 2px;
  margin-bottom: 2px;
}

.proof-bold {
  font-size: 18px;
  font-weight: 800;
  color: var(--white);
}

.proof-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.15);
}

/* ==========================================
   SELF-SEGMENTATION
   ========================================== */
.segmentation {
  padding: var(--section-py) 0;
}

.segment-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.segment-card {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--rounded-xl);
  padding: 40px 32px;
  text-align: center;
  transition: all var(--transition-slow);
  cursor: pointer;
  display: block;
}

.segment-card:hover {
  border-color: var(--accent);
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.segment-icon {
  width: 72px;
  height: 72px;
  border-radius: var(--rounded-lg);
  background: var(--accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 28px;
  color: var(--accent);
  transition: all var(--transition);
}

.segment-card:hover .segment-icon {
  background: var(--accent);
  color: var(--white);
}

.segment-card h3 {
  font-size: 22px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.segment-card p {
  font-size: 15px;
  color: var(--gray-600);
  margin-bottom: 20px;
  line-height: 1.6;
}

.segment-cta {
  font-size: 15px;
  font-weight: 600;
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.segment-card:hover .segment-cta i {
  transform: translateX(4px);
}

.segment-cta i {
  transition: transform var(--transition);
  font-size: 13px;
}

/* ==========================================
   RATES SECTION
   ========================================== */
.rates-section {
  padding: var(--section-py) 0;
  background: var(--gray-50);
}

.rate-filters {
  display: flex;
  gap: 16px;
  justify-content: center;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.filter-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.filter-group label {
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.filter-group select {
  padding: 10px 36px 10px 14px;
  font-size: 15px;
  font-family: var(--font);
  border: 1px solid var(--gray-300);
  border-radius: var(--rounded);
  background: var(--white);
  color: var(--navy);
  cursor: pointer;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M6 8L1 3h10L6 8z' fill='%236B7280'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
}

.rate-cards {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  margin-bottom: 24px;
}

.rate-card {
  background: var(--white);
  border: 2px solid var(--gray-200);
  border-radius: var(--rounded-xl);
  padding: 28px 24px;
  text-align: center;
  transition: all var(--transition);
  position: relative;
}

.rate-card:hover {
  border-color: var(--gray-300);
  box-shadow: var(--shadow-md);
}

.rate-card.featured {
  border-color: var(--accent);
  box-shadow: var(--shadow-lg);
}

.rate-card-badge {
  position: absolute;
  top: -12px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--navy);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  padding: 4px 16px;
  border-radius: var(--rounded-full);
  white-space: nowrap;
}

.rate-card-label {
  font-size: 13px;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}

.rate-card-points {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 12px;
}

.rate-card-rate {
  font-size: 42px;
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
  margin-bottom: 4px;
}

.rate-card-rate span {
  font-size: 24px;
}

.rate-card-apr {
  font-size: 14px;
  color: var(--gray-500);
  margin-bottom: 16px;
}

.rate-card-desc {
  font-size: 13px;
  color: var(--gray-500);
  line-height: 1.5;
  margin-bottom: 20px;
  min-height: 40px;
}

.rates-disclaimer {
  font-size: 13px;
  color: var(--gray-500);
  text-align: center;
  line-height: 1.6;
}

/* ==========================================
   LEAD FORM SECTION
   ========================================== */
.lead-form-section {
  padding: var(--section-py) 0;
  background: linear-gradient(180deg, var(--white) 0%, var(--accent-light) 100%);
}

.lead-form-wrapper {
  max-width: 720px;
  margin: 0 auto;
  background: var(--white);
  border-radius: var(--rounded-xl);
  padding: 48px;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-200);
}

/* Progress */
.form-progress {
  margin-bottom: 40px;
}

.progress-bar {
  height: 4px;
  background: var(--gray-200);
  border-radius: 4px;
  margin-bottom: 20px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--accent), var(--accent-dark));
  border-radius: 4px;
  transition: width 0.4s ease;
}

.progress-steps {
  display: flex;
  justify-content: space-between;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--gray-400);
  font-weight: 500;
}

.progress-step.active { color: var(--accent); }
.progress-step.completed { color: var(--green); }

.step-circle {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  border: 2px solid var(--gray-300);
  color: var(--gray-400);
  background: var(--white);
  transition: all var(--transition);
}

.progress-step.active .step-circle {
  border-color: var(--accent);
  background: var(--accent);
  color: var(--white);
}

.progress-step.completed .step-circle {
  border-color: var(--green);
  background: var(--green);
  color: var(--white);
}

/* Form Steps */
.form-step {
  display: none;
  animation: fadeIn 0.3s ease;
}

.form-step.active { display: block; }

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}

.form-step h3 {
  font-size: 24px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 24px;
  text-align: center;
}

.form-step-subtitle {
  text-align: center;
  color: var(--gray-600);
  margin-top: -16px;
  margin-bottom: 24px;
}

/* Option Cards (Step 1) */
.option-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.option-card {
  cursor: pointer;
}

.option-card input { display: none; }

.option-card-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 32px 24px;
  border: 2px solid var(--gray-200);
  border-radius: var(--rounded-lg);
  transition: all var(--transition);
  background: var(--white);
}

.option-card-inner i {
  font-size: 32px;
  color: var(--gray-400);
  transition: color var(--transition);
}

.option-card-inner span {
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
}

.option-card input:checked + .option-card-inner {
  border-color: var(--accent);
  background: var(--accent-light);
}

.option-card input:checked + .option-card-inner i {
  color: var(--accent);
}

.option-card-inner:hover {
  border-color: var(--gray-300);
  background: var(--gray-50);
}

/* Form Fields */
.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.form-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.form-field label {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
}

.form-field input,
.form-field select {
  padding: 12px 16px;
  font-size: 15px;
  font-family: var(--font);
  border: 1.5px solid var(--gray-300);
  border-radius: var(--rounded);
  background: var(--white);
  color: var(--navy);
  transition: border-color var(--transition);
}

.form-field input:focus,
.form-field select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.1);
}

.form-field select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M6 8L1 3h10L6 8z' fill='%236B7280'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 12px center;
  padding-right: 36px;
}

.form-consent {
  margin-top: 20px;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13px;
  color: var(--gray-600);
  cursor: pointer;
  line-height: 1.5;
}

.checkbox-label input {
  margin-top: 3px;
  accent-color: var(--accent);
}

/* Form Nav */
.form-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--gray-200);
}

/* Success */
.form-success {
  text-align: center;
  padding: 48px 24px;
}

.success-icon {
  font-size: 64px;
  color: var(--green);
  margin-bottom: 24px;
}

.form-success h3 {
  font-size: 28px;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
}

.form-success p {
  font-size: 16px;
  color: var(--gray-600);
  margin-bottom: 32px;
  max-width: 400px;
  margin-left: auto;
  margin-right: auto;
}

.success-next {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* Form Trust Signals */
.form-trust-signals {
  display: flex;
  justify-content: center;
  gap: 32px;
  margin-top: 24px;
  flex-wrap: wrap;
}

.form-trust-item {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  color: var(--gray-500);
}

.form-trust-item i {
  color: var(--green);
}

/* ==========================================
   WHY SECTION
   ========================================== */
.why-section {
  padding: var(--section-py) 0;
  background: var(--white);
}

.value-props {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.value-card {
  text-align: center;
  padding: 32px 24px;
}

.value-icon {
  width: 64px;
  height: 64px;
  border-radius: var(--rounded-lg);
  background: var(--accent-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  font-size: 24px;
  color: var(--accent);
}

.value-card h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 12px;
}

.value-card p {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.6;
}

/* ==========================================
   COMPARISON TABLE
   ========================================== */
.comparison-section {
  padding: var(--section-py) 0;
  background: var(--gray-50);
}

.comparison-table-wrapper {
  overflow-x: auto;
  margin-bottom: 32px;
  border-radius: var(--rounded-xl);
  box-shadow: var(--shadow-lg);
}

.comparison-table {
  width: 100%;
  border-collapse: collapse;
  background: var(--white);
  font-size: 15px;
}

.comparison-table th,
.comparison-table td {
  padding: 16px 24px;
  text-align: center;
  border-bottom: 1px solid var(--gray-100);
}

.comparison-table th {
  font-weight: 700;
  color: var(--navy);
  font-size: 16px;
  padding: 20px 24px;
  background: var(--gray-50);
}

.comparison-table th:first-child,
.comparison-table td:first-child {
  text-align: left;
  font-weight: 500;
  color: var(--slate);
}

.comparison-table .highlight-col {
  background: var(--accent-light);
}

.comparison-table th.highlight-col {
  background: var(--navy);
  color: var(--white);
}

.comparison-table .check { color: var(--accent); font-size: 20px; }
.comparison-table .cross { color: var(--gray-300); font-size: 20px; }

.comparison-table tbody tr:hover {
  background: var(--gray-50);
}

.comparison-table tbody tr:hover .highlight-col {
  background: #DBEAFE;
}

.comparison-cta {
  text-align: center;
}

/* ==========================================
   CALCULATOR
   ========================================== */
.calculator-section {
  padding: var(--section-py) 0;
  background: var(--white);
}

.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--rounded-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.calculator-inputs {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.calc-field label {
  font-size: 14px;
  font-weight: 600;
  color: var(--navy);
  display: block;
  margin-bottom: 8px;
}

.input-prefix,
.input-suffix {
  display: flex;
  align-items: center;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--rounded);
  overflow: hidden;
  transition: border-color var(--transition);
}

.input-prefix:focus-within,
.input-suffix:focus-within {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.1);
}

.input-prefix span,
.input-suffix span {
  padding: 0 12px;
  font-size: 15px;
  font-weight: 600;
  color: var(--gray-500);
  background: var(--gray-50);
  display: flex;
  align-items: center;
  height: 44px;
}

.input-prefix input,
.input-suffix input {
  border: none;
  padding: 12px;
  font-size: 15px;
  font-family: var(--font);
  color: var(--navy);
  font-weight: 600;
  width: 100%;
  outline: none;
}

.input-row {
  display: flex;
  gap: 12px;
}

.input-row .input-prefix { flex: 1; }
.input-row .input-suffix { flex: 0 0 auto; }

/* Range Slider */
.calc-slider {
  width: 100%;
  height: 6px;
  -webkit-appearance: none;
  appearance: none;
  background: var(--gray-200);
  border-radius: 3px;
  outline: none;
  margin-top: 12px;
  cursor: pointer;
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: var(--shadow-md);
}

.calc-slider::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: var(--shadow-md);
}

/* Term Buttons */
.term-buttons {
  display: flex;
  gap: 8px;
}

.term-btn {
  flex: 1;
  padding: 12px;
  font-size: 15px;
  font-weight: 600;
  font-family: var(--font);
  border: 2px solid var(--gray-300);
  border-radius: var(--rounded);
  background: var(--white);
  color: var(--gray-600);
  cursor: pointer;
  transition: all var(--transition);
}

.term-btn.active,
.term-btn:hover {
  border-color: var(--accent);
  background: var(--accent-light);
  color: var(--accent);
}

/* Calculator Results */
.calculator-results {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.result-main {
  text-align: center;
  margin-bottom: 32px;
}

.result-label {
  display: block;
  font-size: 15px;
  font-weight: 600;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}

.result-amount {
  font-size: 48px;
  font-weight: 900;
  color: var(--navy);
  line-height: 1;
}

.result-breakdown {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 24px;
}

.breakdown-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  color: var(--gray-600);
}

.breakdown-color {
  width: 12px;
  height: 12px;
  border-radius: 3px;
  flex-shrink: 0;
}

.breakdown-label { flex: 1; }

.breakdown-value {
  font-weight: 600;
  color: var(--navy);
}

.breakdown-item.total {
  padding-top: 12px;
  border-top: 1px solid var(--gray-200);
  font-weight: 700;
  color: var(--navy);
}

.breakdown-item.total .breakdown-value {
  font-size: 18px;
  color: var(--accent);
}

.calc-disclaimer {
  font-size: 12px;
  color: var(--gray-400);
  text-align: center;
  margin-top: 12px;
}

/* ==========================================
   PROCESS / HOW IT WORKS
   ========================================== */
.process-section {
  padding: var(--section-py) 0;
  background: var(--gray-50);
}

.process-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin-bottom: 48px;
}

.process-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  max-width: 240px;
  position: relative;
}

.step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-size: 24px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  box-shadow: 0 4px 12px rgba(15,23,42,0.3);
}

.step-content h3 {
  font-size: 18px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.step-content p {
  font-size: 14px;
  color: var(--gray-600);
  line-height: 1.6;
}

.process-connector {
  width: 80px;
  height: 2px;
  background: var(--gray-300);
  margin-top: 28px;
  flex-shrink: 0;
  position: relative;
}

.process-connector::after {
  content: '';
  position: absolute;
  right: -4px;
  top: -3px;
  width: 8px;
  height: 8px;
  border-top: 2px solid var(--gray-300);
  border-right: 2px solid var(--gray-300);
  transform: rotate(45deg);
}

.process-cta {
  text-align: center;
}

/* ==========================================
   TESTIMONIALS
   ========================================== */
.testimonials-section {
  padding: var(--section-py) 0;
  background: var(--white);
}

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 40px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--rounded-xl);
  padding: 32px;
  transition: all var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}

.testimonial-stars {
  color: #FBBF24;
  font-size: 16px;
  margin-bottom: 16px;
  display: flex;
  gap: 2px;
}

.testimonial-text {
  font-size: 15px;
  color: var(--slate);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--accent-light);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  flex-shrink: 0;
}

.author-info {
  display: flex;
  flex-direction: column;
}

.author-info strong {
  font-size: 15px;
  color: var(--navy);
}

.author-info span {
  font-size: 13px;
  color: var(--gray-500);
}

.testimonial-cta {
  text-align: center;
}

/* ==========================================
   SERVICE AREAS
   ========================================== */
.areas-section {
  padding: var(--section-py) 0;
  background: var(--gray-50);
}

.areas-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.areas-content h2 {
  font-size: 36px;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}

.areas-content p {
  font-size: 16px;
  color: var(--gray-600);
  line-height: 1.6;
  margin-bottom: 24px;
}

.state-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 10px;
  margin-bottom: 24px;
}

.state-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 16px;
  color: var(--navy);
  font-weight: 500;
}

.state-list li i {
  color: var(--green);
  font-size: 14px;
}

.areas-note {
  font-size: 14px;
  color: var(--gray-500);
  font-style: italic;
}

.map-placeholder {
  background: var(--gray-100);
  border-radius: var(--rounded-xl);
  height: 400px;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  color: var(--gray-400);
  font-size: 16px;
  border: 2px dashed var(--gray-300);
}

.map-placeholder i { font-size: 48px; }

/* ==========================================
   FAQ
   ========================================== */
.faq-section {
  padding: var(--section-py) 0;
  background: var(--white);
}

.faq-grid {
  max-width: 800px;
  margin: 0 auto 40px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--rounded-lg);
  overflow: hidden;
  transition: all var(--transition);
}

.faq-item:hover {
  border-color: var(--gray-300);
}

.faq-item[open] {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.08);
}

.faq-item summary {
  padding: 20px 24px;
  font-size: 16px;
  font-weight: 600;
  color: var(--navy);
  cursor: pointer;
  list-style: none;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.faq-item summary::-webkit-details-marker { display: none; }

.faq-item summary::after {
  content: '+';
  font-size: 22px;
  font-weight: 400;
  color: var(--gray-400);
  transition: transform var(--transition);
  flex-shrink: 0;
}

.faq-item[open] summary::after {
  content: '\2212';
  color: var(--accent);
}

.faq-answer {
  padding: 0 24px 20px;
}

.faq-answer p {
  font-size: 15px;
  color: var(--gray-600);
  line-height: 1.7;
}

.faq-cta {
  text-align: center;
}

.faq-cta p {
  font-size: 16px;
  color: var(--gray-600);
  margin-bottom: 16px;
}

/* ==========================================
   FINAL CTA
   ========================================== */
.final-cta-section {
  padding: var(--section-py) 0;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: var(--white);
}

.final-cta-inner {
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}

.final-cta-inner h2 {
  font-size: 40px;
  font-weight: 900;
  margin-bottom: 16px;
}

.final-cta-inner p {
  font-size: 18px;
  color: rgba(255,255,255,0.7);
  margin-bottom: 36px;
  line-height: 1.6;
}

.final-cta-buttons {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.final-trust {
  display: flex;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
  font-size: 14px;
  color: rgba(255,255,255,0.6);
}

.final-trust span {
  display: flex;
  align-items: center;
  gap: 6px;
}

.final-trust i { color: var(--green); }

/* ==========================================
   FOOTER
   ========================================== */
.footer {
  background: var(--navy);
  padding: 64px 0 32px;
  color: rgba(255,255,255,0.7);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr repeat(4, 1fr);
  gap: 40px;
  margin-bottom: 48px;
}

.footer-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 20px;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
}

.footer-brand p {
  font-size: 14px;
  line-height: 1.6;
  margin-bottom: 20px;
}

.footer-social {
  display: flex;
  gap: 12px;
}

.footer-social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.7);
  transition: all var(--transition);
  font-size: 14px;
}

.footer-social a:hover {
  background: var(--accent);
  color: var(--white);
}

.footer-col h4 {
  font-size: 15px;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
}

.footer-col ul { list-style: none; }

.footer-col ul li { margin-bottom: 10px; }

.footer-col ul a,
.footer-col ul span {
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  transition: color var(--transition);
  display: flex;
  align-items: flex-start;
  gap: 8px;
}

.footer-col ul a:hover { color: var(--accent); }

.footer-col ul i {
  font-size: 13px;
  margin-top: 3px;
  color: var(--accent);
}

.footer-hours {
  margin-top: 16px;
  font-size: 14px;
}

.footer-hours strong {
  color: var(--white);
  display: block;
  margin-bottom: 4px;
}

.footer-hours p { line-height: 1.6; }

.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: flex-start;
  gap: 20px;
}

.footer-legal p {
  font-size: 13px;
  line-height: 1.6;
  color: rgba(255,255,255,0.5);
}

.footer-legal a { color: var(--accent); }

.footer-legal-links {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-legal-links a {
  font-size: 13px;
  color: rgba(255,255,255,0.5);
  transition: color var(--transition);
}

.footer-legal-links a:hover { color: var(--accent); }

.footer-badges {
  display: flex;
  align-items: center;
  gap: 12px;
}

.badge {
  font-size: 12px;
  padding: 4px 12px;
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--rounded);
  color: rgba(255,255,255,0.5);
}

/* ==========================================
   MOBILE STICKY CTA
   ========================================== */
.mobile-sticky-cta {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 999;
  background: var(--white);
  padding: 12px 16px;
  box-shadow: 0 -4px 12px rgba(0,0,0,0.1);
  align-items: center;
  gap: 12px;
  border-top: 1px solid var(--gray-200);
}

.mobile-cta-call {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--green);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  flex-shrink: 0;
}

.mobile-cta-main { flex: 1; }

/* ==========================================
   RESPONSIVE
   ========================================== */

/* Tablet */
@media (max-width: 1024px) {
  :root {
    --section-py: 72px;
  }

  .hero-inner {
    grid-template-columns: 1fr;
    gap: 48px;
    text-align: center;
  }

  .hero-title { font-size: 42px; }
  .hero-subtitle { margin-left: auto; margin-right: auto; }
  .hero-cta-group { justify-content: center; }
  .hero-trust { align-items: center; }

  .hero-visual {
    max-width: 400px;
    margin: 0 auto;
  }

  .rate-cards {
    grid-template-columns: repeat(2, 1fr);
  }

  .value-props {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  .calculator-wrapper {
    grid-template-columns: 1fr;
  }

  .process-steps {
    flex-wrap: wrap;
    gap: 24px;
  }

  .process-connector { display: none; }

  .process-step {
    flex: 1 1 calc(50% - 12px);
    min-width: 200px;
  }

  .testimonial-grid {
    grid-template-columns: 1fr 1fr;
  }

  .areas-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

  .nav-links { display: none; }
}

/* Mobile */
@media (max-width: 768px) {
  :root {
    --section-py: 56px;
    --container-px: 16px;
  }

  .announcement-bar { font-size: 13px; }

  .navbar-inner { height: 60px; }

  .nav-phone span { display: none; }
  .nav-cta { display: none; }
  .mobile-menu-btn { display: flex; }

  .nav-links {
    position: fixed;
    top: 60px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 24px;
    gap: 20px;
    box-shadow: var(--shadow-lg);
    transform: translateY(-100%);
    opacity: 0;
    pointer-events: none;
    transition: all var(--transition-slow);
  }

  .nav-links.open {
    display: flex;
    transform: translateY(0);
    opacity: 1;
    pointer-events: all;
  }

  .hero { padding: 48px 0 0; }
  .hero-title { font-size: 32px; }
  .hero-subtitle { font-size: 17px; }

  .hero-cta-group {
    flex-direction: column;
    align-items: center;
  }

  .hero-cta-group .btn { width: 100%; }

  .social-proof-inner {
    gap: 20px;
  }

  .proof-divider { display: none; }

  .proof-item {
    flex: 1 1 calc(50% - 10px);
    min-width: 140px;
  }

  .segment-cards {
    grid-template-columns: 1fr;
  }

  .section-header h2 { font-size: 28px; }

  .rate-cards {
    grid-template-columns: 1fr;
  }

  .rate-filters {
    flex-direction: column;
    align-items: stretch;
  }

  .lead-form-wrapper {
    padding: 24px;
  }

  .option-grid {
    grid-template-columns: 1fr 1fr;
  }

  .form-grid {
    grid-template-columns: 1fr;
  }

  .value-props {
    grid-template-columns: 1fr;
  }

  .comparison-table {
    font-size: 13px;
  }

  .comparison-table th,
  .comparison-table td {
    padding: 12px 14px;
  }

  .calculator-wrapper {
    padding: 24px;
  }

  .result-amount { font-size: 36px; }

  .process-step {
    flex: 1 1 100%;
  }

  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .state-list {
    grid-template-columns: 1fr;
  }

  .final-cta-inner h2 { font-size: 28px; }

  .final-cta-buttons { flex-direction: column; align-items: center; }
  .final-cta-buttons .btn { width: 100%; }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

  .footer-legal-links {
    justify-content: center;
  }

  .mobile-sticky-cta { display: flex; }

  /* Add padding at bottom for sticky CTA */
  .footer { padding-bottom: 80px; }
}

/* Small Mobile */
@media (max-width: 480px) {
  .hero-title { font-size: 28px; }

  .option-grid { grid-template-columns: 1fr; }

  .option-card-inner { padding: 20px 16px; flex-direction: row; }
  .option-card-inner i { font-size: 24px; }

  .social-proof-inner {
    flex-direction: column;
    align-items: center;
  }

  .proof-item {
    width: 100%;
    justify-content: center;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================
   ANIMATIONS
   ========================================== */
@keyframes slideUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: all 0.6s ease;
}

.animate-on-scroll.visible {
  opacity: 1;
  transform: translateY(0);
}